What is Financial Life Coaching?

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Many individuals seek my guidance with pressing concerns regarding their financial assets, yet they often overlook an equally critical component of their financial well-being—human capital, which represents the present value of their future earnings. This oversight frequently arises due to the absence of a structured financial strategy, commonly referred to as a GAME Plan.

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Understanding Life’s Layers

Life is inherently dynamic; our economic engagement evolves continuously. At times, we navigate multiple financial and professional responsibilities simultaneously, drawing from a portfolio of activities that can be categorised as follows:

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• Economically Active – Exchanging time and effort for financial compensation.

• Economically Inactive – Periods without income, either by choice or circumstance.

• Economically Passive – Generating income through assets or investments rather than direct labour.

 

Assets: Beyond Material Possessions

Assets extend far beyond physical or financial wealth; they encompass anything that contributes to future economic value. A truly comprehensive approach to financial planning acknowledges three distinct forms of human capital:

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• Productive Assets – Reputation, professional networks, expertise, and skills.

• Vitality Assets – Physical, mental, emotional, and spiritual well-being.

• Transformational Assets – Self-awareness, adaptive learning, and regenerative relationships.

 

Without a GAME Plan, individuals tend to concentrate solely on immediate financial considerations, often neglecting their human capital, thereby leaving themselves vulnerable to life's unpredictable transitions.

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Developing a GAME Plan

The foundation of a GAME Plan is built upon an understanding of an individual’s:

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• Core values and purpose

• Lifestyle preferences and future aspirations

• Current and anticipated financial obligations

 

By mapping income streams, financial assets, and potential future resources, a GAME Plan enables individuals to make strategic financial decisions with clarity and foresight.

 

Reframing the Concept of Financial Sufficiency

One of the most common concerns I address is whether an individual has "enough". However, a more pertinent question is: "Enough for what?" Defining financial sufficiency requires a clear articulation of personal priorities and long-term goals, ensuring that resources are aligned with a purposeful and fulfilling life.

 

Whole-Person Well-Being

True well-being extends beyond financial security; it necessitates balance across mind, body, heart, and spirit. A financial surplus is of little benefit if it comes at the expense of time with loved ones, personal well-being, or a sense of purpose. My approach ensures that financial planning is not merely about wealth accumulation but rather about achieving equilibrium across all dimensions of life.

 

Aligning Financial Planning with Life’s Natural Cycles

Life unfolds in natural rhythms, much like the changing of the seasons. A well-structured GAME Plan integrates these cycles, fostering a balanced and sustainable approach to financial and personal growth:

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• Winter (Goals) – Reflection, resolution-setting, and strategic preparation.

• Spring (Actions) – Planting new ideas, fostering growth, and nurturing relationships.

• Summer (Means) – Productivity, focused effort, and tangible progress towards objectives.

• Autumn (Execution) – Harvesting achievements, expressing gratitude, and planning ahead.

 

By synchronising financial activities with these natural cycles, we create a cohesive and adaptable strategy that evolves in tandem with life's transitions.

 

The Continuous Nature of GAME Planning

Financial life planning is not a static exercise; it is an ongoing process requiring periodic refinement. My Ongoing Programme provides continuous support and strategic guidance, ensuring that your GAME Plan remains current, relevant, and responsive to life's inevitable changes. This approach fosters peace of mind, financial security, and the ability to enjoy life to its fullest potential.

 

Live with Clarity, Confidence, and Purpose

Understanding what constitutes "enough" grants the freedom to live wisely. Life is not a rehearsal—each moment is an opportunity to make intentional choices that lead to lasting fulfilment. Do not postpone financial clarity for an uncertain tomorrow; allow me to assist you in removing financial anxiety and establishing a comprehensive strategy that empowers you to live fully, with confidence and purpose.

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